If you are a professional face and body painter, then congratulations! You have what’s probably one of the most enjoyable jobs in the world. But all fun aside, you’re still in the business that requires you take out insurance to protect yourself and your clients.
For example: you never know when something could go wrong with the paints that you’re using. A client might have a bad reaction to them and become ill or some of your materials might end up in someone’s eye by accident. And as an artist who might be working at high profile events and festivals, the last thing you want is to have to worry about expensive legal battles that could put you out of business.
Liability insurance protects you and your clients against any possible injury or damage your work might cause so that you can focus on being your creative best. At the same time, because you are working on people’s bodies, you still need to exercise caution so that you:
- are working in the safest, cleanest environment possible with the best equipment
- don’t pass on contagious diseases, as between clients or between you and your clients
- aren’t perceived as engaging in sexual harassment or physical abuse, especially where children are concerned
When you are ready to make this important investment in your business, you need to be ready to ask the right questions of your insurance broker so that you get coverage you need. Here are some to get you started:
- what does the policy cover and what are its exclusions?
- how easy is it to make an insurance claim?
- for what amount am I covered and what are the limits?
- is there a fee per claim?
- what is the policy regarding cancellations?
- is my own negligence covered?
- what about attorney fees–are they covered as well?
- do any of the major face-painting groups–such as the Face Painting and Body Art Association (FPBAA)–use this insurance?
The brokers at Statewide Insurance are experts in all forms of contractors insurance. We have the experience and know-how to help match you to a policy that doesn’t just work, but works best for you. Why settle for anything less?